Credit Risk Specialist

SOLANA FOUNDATION; São Paulo; Sur place; BRL 100 000 - 150 000; Plein temps

Avantages offerts par ce poste

Competitive salary package

Equity stock options plan

Paid holidays

Bi-annual off-site team building

Résumé du poste

SOLANA FOUNDATION is seeking a Senior Portfolio Manager in São Paulo to take ownership of portfolio performance and Cost of Risk outcomes. This role demands a strong background in credit risk and portfolio management with a focus on profitability.

The ideal candidate will have over 5 years of experience in credit risk or portfolio management and will work closely with collections teams to enhance forecasting. The position offers a vibrant in-office environment and numerous benefits including competitive salary, equity options, and paid holidays.

Qualifications

• 5+ years in credit risk, portfolio management, or structured lending.
• Proven ownership of Cost of Risk (CoR) and portfolio performance.
• Strong understanding of credit cycles and sector deterioration.

Responsabilités

• Own portfolio steering across channels, sectors, ratings, and accounts.
• Monitor large exposures and concentration risk.
• Deliver Cost of Risk in line or better than budget.

Connaissances

Credit risk management

Portfolio management

Advanced SQL

Python

Commercial judgment

Description du poste

About the job

We are looking for a Senior Portfolio Manager to take end-to-end ownership of portfolio performance and Cost of Risk outcomes. This position reports directly to the Head of Risk.

You will steer portfolio mix and concentration risk, continuously improve provisioning and loss forecasting accuracy, and design risk-adjusted pricing frameworks that enable disciplined but ambitious GTM growth. This is a senior individual contributor role with direct commercial impact and close collaboration across GTM, Treasury, and Collections.

Qualifications

5+ years of experience in credit risk, portfolio management, or structured lending

Advanced SQL required; Python strongly preferred

Proven ownership of Cost of Risk (CoR) and portfolio performance

Strong understanding of credit cycles, concentration risk, and sector deterioration

Hands-on experience with provisioning models (e.g., IFRS9) and expected loss methodologies

Experience building risk-adjusted pricing frameworks

Strong commercial judgment — able to enable growth while protecting downside risk

Experience working closely with collections or recovery teams

Clear communicator, able to translate portfolio insights into business steering decisions

Experience with structured vehicles (e.g., FIDC) preferred

Responsibilities

Own portfolio steering across channels, sectors, ratings, and accounts

Monitor large exposures and concentration risk

Steer origination mix to balance growth and profitability

Deliver Cost of Risk in line or better than budget

Own and improve provisioning logic and expected loss methodologies

Reduce variance between expected and realised losses

What we Offer

Work closely with Collections to incorporate recovery insights into forecasting assumptions

Own risk-adjusted pricing logic for new and existing proposals

Partner with GTM to structure commercially competitive yet disciplined offers

Build scalable pricing and steering tooling to support faster decision-making

Align portfolio strategy with treasury constraints and capital efficiency

We believe that collaboration and team spirit thrive best in an in-office environment. Our office provides a vibrant and engaging workspace where team members can connect, innovate, and grow together. With access to our offices in Sao Paulo or Antwerp, you'll immerse yourself in a culture of innovation and collaboration.

But that's just the beginning - here's what else we offer:

A culture of learning and experimentation : where you are encouraged to explore new ideas and technologies

Competitive salary package : Your hard work deserves recognition, and we ensure you're well-rewarded for your contributions.

Equity stock options plan : Be a part of our journey towards success and share in the rewards.

Paid holidays : Enjoy the flexibility to recharge and rejuvenate

Bi-annual off-site : Awesome team building, unforgettable memories, and adventures ensured during our team off-sites.